Banking Operations Senior Associate

3 weeks ago

Gurgaon, Haryana, India NTT DATA North America Full time
Job Description

Position Overview:

As a Credit Analyst, you will be part of a team performing outbound calls and offline work, adjudicating credit, conducting thorough investigations on credit bureaus, and deciding on the customers creditworthiness. Reporting to the Supervisor, Operations, this role offers a solid foundation for a career in Credit Card Operations.

Position Details:

- Position: Credit Analyst
- Status: Full Time Work from Office
- Hours: Monday Friday, 9:00am 8:00pm IST
- Department: Presidents Choice Financial
- Rate of Pay: Competitive salary based on experience and qualifications

Key Responsibilities:

- Fraud and Credit Risk Review:
- Review new applications for fraud and credit risk, making outbound calls for fraud and em+D120ployment verification.
- Analyze conversations with applicants in real-time to assess potential fraud risk.
- Document and approve requirements based on analysis of credit policies.
- Credit Management:
- Administer and control credit terms and limits.
- Perform credit limit reviews, reinstatements, and account maintenance.
- Assess creditworthiness of prospective customers, approving, recommending, and negotiating credit terms and limits appropriate to the customers requirements and ability.
- Customer Interaction:
- Communicate directly with applicants, adhering to brand standards.
- Liaise effectively with other areas impacting the Credit Department.
- Provide exceptional customer service while maintaining high efficiency and accuracy in data analysis and report tracking.
- Compliance and Reporting:
- Maintain/exceed established standards and targets, adhering to all credit policies, procedures, and guidelines to mitigate risk.
- Ensure high levels of accuracy in report maintenance and tracking.

Qualifications and Requirements:

- Educational Background:
- Bachelor&aposs degree in Finance, Business Administration, or a related field preferred.
- Experience:
- Previous experience reviewing and approving credit is an asset.
- Minimum of 2-3 year of customer service experience.
- Credit card experience required; credit and fraud experience is an asset.
- Skills and Competencies:
- Strong communication skills with an excellent command of English (French is an asset) and a professional telephone manner.
- Demonstrated analytical and judgment skills required in dealing with moderately complex procedures and situations.
- Ability to communicate tactfully with various levels of business management in a professional manner.
- Strong organizational and time management skills with the ability to prioritize and manage a heavy workload.
- Demonstrated ability to implement change efforts.
- Highly motivated with the ability to work independently in a fast-paced team environment.
- Knowledge of PCs and strong keyboarding skills.
- Proficiency in MS Word, Excel, and Outlook is an asset.
- TSYS/ADM system knowledge is an asset.
- Flexibility and willingness to work overtime as required.

Additional Information:

- This role requires rotational shifts, which may include evenings, weekends, and holidays.
- The position offers opportunities for professional growth and development within the Credit Card Operations department.

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